There are many definitions of what it means to be a “good driver.” One of the most common definitions among car insurance companies is a driver with a clean driving record, or no accidents, tickets, or insurance claims in the last five years.
If that describes you, you may qualify for good driver discounts on your car insurance. This means you could be paying less than you are today for your insurance. Let’s dive into everything you need to know about finding the best car insurance for good drivers.
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Written by Alyssa DiCrasto
Last updated: March 28, 2023
The best car insurance companies for good drivers offer a wide range of coverage options, discounts and perks, and they also have a good reputation and are known for providing excellent customer service.
However, the answer to “what is the best car insurance company” is different from person to person. You might want a company known for its flexible coverage plans, one that can insure other assets you have, or simply the one that will give you the best price.
Because different car insurance companies have different rates and offerings based on the state, age of driver, and numerous other factors, the best way to find the best car insurance company for you is to compare several.
You’ll want to get rates from several companies to compare rates and coverage options. To give you a good starting point, we’ve organized our list of top insurance providers for good drivers into a list by price, by customer service, by good driver discounts, and accident forgiveness programs.
The price you pay for car insurance will vary from company to company based on your location, demographics, vehicles, and coverage. Among national insurance companies, these are known to offer cheap car insurance for a basic “good driver” profile.
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Choosing an insurance company with good customer service means you’ll be able to reach a live person when you need to file a claim. It also means the company will be there to answer any questions you have about your policy. Choosing a provider with good customer service can make all the difference in how satisfied you are with your policy, and these companies rank at the top:
At the following companies, good driving is rewarded. This list includes some of the national insurance companies that offer car insurance discounts for being a good driver.
Accidents can happen to anyone. If you’re a good driver, you don’t want to be punished for making one mistake. Many insurance companies offer accident forgiveness programs that account for this. Below are some examples of companies with accident forgiveness programs.
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The cheapest car insurance for good drivers depends on various factors, such as the state where you live and the car you drive. Our tool considers your driver profile, including your driving record, when providing you with rate estimates and matching you with the best insurance carriers for your profile. Take our short quiz to find the cheapest car insurance based on your profile and preferences.
There are multiple coverage types available for drivers. For example, collision insurance covers repairs to the policyholder’s vehicle in the event of an accident. Comprehensive insurance covers damages caused by weather, theft, or vandalism. And medical payments coverage helps pay for medical bills incurred by the policyholder and their passengers in the event of an accident. Ultimately, the best type of insurance for any given driver depends on their individual needs and circumstances. However, all drivers should carry at least the minimum insurance required by their state to protect themselves financially in the event of an accident.
The best car insurance companies depend on your driver profile and unique needs. When shopping for car insurance coverage, consider a company’s price, customer service ratings and good driver discounts to determine the best overall option for you.
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